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Last updated: February 23, 2024

Infinity Auto Insurance Review

High-risk auto insurance for California drivers

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Infinity auto insurance is a subsidiary of Kemper Auto, a national insurer with nearly $15 billion in assets. Infinity offers policies for unusual circumstances, such as driving violations, speeding tickets, a lapsed auto insurance policy, an SR-22 form, or other situations that make it difficult to find an insurance carrier. The company offers three standard options and customizable insurance plans so you can adjust depending on your coverage needs and budget.

Key Takeaways

Infinity offers nonstandard auto insurance for California drivers, including those who require SR-22 forms. Factors that may determine if you need nonstandard auto insurance include your age, credit history, and driving record. The company’s roadside assistance program and strong financial backing from its parent company, Kemper, make it a viable option for high-risk drivers who need auto insurance.

Who it’s best for:

  • Drivers who need SR-22s
  • Drivers in California
  • Spanish speakers

Who it’s not best for: 

  • Drivers with clean driving histories
  • Drivers looking for the lowest premiums

Pros and Cons of Infinity Auto Insurance



  • Infinity DriverClub roadside assistance: Infinity offers free membership to its roadside assistance program DriverClub, even if you don’t have an Infinity insurance policy. DriverClub provides assistance with flat tires, empty gas tanks, car lockouts, dead batteries, and other emergencies 24/7.

  • Spanish language website: Infinity’s entire website is available in Spanish. If Spanish is your preferred language, you’ll be able to navigate its website with no problem.

  • Financial security: Kemper’s strong financial security ratings back Infinity’s insurance policies.

  • SR-22 filing: If you need an SR-22 certificate, Infinity will file it on your behalf for a fee.



  • Only available in California: Infinity still operates under its own name in California, but all other branches transitioned under Kemper Auto. According to the website Kemper Auto (Infinity’s parent company), it offers insurance products in at least 44 states.

  • Limited optional coverages: Infinity offers full coverages like collision and comprehensive, but not necessarily extra coverages like travel insurance or rental reimbursement.

  • Expensive premiums: Infinity’s insurance premium is $793 above the national industry average, as it’s typical for nonstandard drivers to have higher insurance costs.

  • Buggy mobile apps: Users had difficulty using Infinity’s mobile apps after an update in August 2022.

What Does Infinity Cover?

  • Bodily injury liability coverage: Bodily injury liability coverage pays for the other party’s injuries if you are at fault in an accident.
  • Property damage liability coverage: Property damage liability covers damages your driving causes to someone else’s property.
  • Medical payments coverage: Medical payments coverage pays for medical and funeral expenses incurred by the at-fault party in an accident. The at-fault party pays for their injuries, their passengers’ injuries, and also the other party’s injuries after an accident.
  • Personal injury protection coverage: Personal injury protection coverage, or PIP, pays for medical expenses, loss of income, and other expenses, regardless of fault.
  • Uninsured/underinsured motorist coverage: Uninsured motorist coverage pays for damages and medical needs if you’re hit by a driver who has no auto insurance. Underinsured motorist coverage pays for damages and injuries if you’re hit by a driver who doesn’t have enough coverage to pay for all of your losses.
  • Collision coverage: Collision coverage pays when the insured driver is at fault for property damage. No state requires collision coverage.
  • Comprehensive coverage: Comprehensive coverage pays for damage to your car from fire, theft, vandalism, or any other covered event besides collisions.

What Will My Auto Insurance Rate Be?

The average annual cost of Infinity insurance is $2,908, which is $1,837 above the industry average of $1,071 per year. One example of this higher rate is reflected in nonstandard insurance, such as when the insured may need an SR-22 certificate, which usually costs more in general. In addition, your premium depends on many factors. Obviously, minimum coverage will be less expensive than full coverage auto insurance. At-fault accidents raise yearly rates, as does adding a teen driver to your policy.


An SR-22 certificate proves a driver carries the state minimum required insurance limits. Infinity will file an SR-22 form on behalf of its customers for a fee.

Get insurance quotes from Infinity to find out the cost of your auto insurance coverage. Make sure to get quotes from other companies with the same coverage options, comparing rates apples to apples.

Car Insurance Discounts

You’ll receive the following auto insurance discounts when you choose Infinity as your car insurance company:

  • Defensive driver course discount: Taking a course on safe driving skills makes you eligible for a discount on your policy. Find a qualifying safety course and requirements through your insurance agent and learn how to drive defensively.
  • Advanced quote: When you receive a quote and pay your premium before the effective date in the quote, Infinity may apply a discount to your policy.
  • Good student discount: Full-time students with 3.0 GPAs or higher can save money on auto insurance policies.
  • Homeownership: If someone on your policy has homeowner’s insurance with the same address as the one on your auto policy, you can save on your premium. This includes homeowner policies with Kemper, Infinity’s parent company.
  • Multi-car discount: Insuring more than one vehicle on your policy helps you save up to 38 percent.
  • Paid-in-full discount: Pay your auto insurance premium upfront instead of making monthly payments to be eligible for a discount on your policy.
  • Switch-and-safe discount: Drivers switching to Infinity from another insurer can earn up to a 15 percent discount.
  • Safety features discount: Infinity offers a discount if your vehicle features airbags, anti-lock brakes, and an anti-theft device.
  • Paperless discount: Enrolling in e-billing will qualify you for a paperless discount from Infinity.
  • Accident-free discount: You’re eligible for savings on your premium if you have no violations or accidents for 35 months.


Infinity offers several discounts related to driver safety. Get a discount on your policy if you complete an approved defensive driver training course, have no violations or accidents for 35 months, or have a vehicle equipped with airbags, anti-lock brakes, and an anti-theft device.


Infinity works with hundreds of independent agents to deliver products in combination with Kemper’s underwriting firms. Under Kemper Insurance’s ownership, Infinity only provides new policies in California. Kemper, Infinity’s parent company, serves 44 states and Washington, D.C. There are no Kemper agents in Alaska, Hawaii, North Dakota, West Virginia or Wyoming.

Infinity Customer Service

Infinity offers online customer service, including claims reporting and an online chat feature. On the company’s website, you can view or change your policy, make payments, and more.

Infinity’s customer service representatives are available by phone at 800-690-3818 or via email at Contact Infinity’s representatives from 8 a.m. to 6 p.m. local time, Monday through Friday, and 8:30 a.m. to 3 p.m. on Saturday.

Get a quote from Infinity by calling 800-463-4648 or online at

Mobile Apps and Online Features

Infinity’s mobile app is available for both Android and iOS. The Infinity app received 2.2 out of five stars on the Google Play Store and 1.4 out of five stars on the App Store. Many users complain that the app froze while they tried to register or log in to their account. Other users stated they were unable to make payments after an update in August 2022. Here are all the capabilities of Infinity’s mobile app:

  • Access insurance ID cards
  • View quotes
  • Access claims
  • Make payments
  • View payment history
  • Register an account
  • Update a profile
  • Recover a password
  • Upload documents
  • Find an agent
  • Chat online with an Infinity representative

Third-Party Ratings

  • Better Business Bureau (BBB): The BBB did not provide accreditation for Infinity insurance; however, its BBB rating is a B+. Infinity’s customer rating is 1 out of 5 stars. Common complaints include difficulty reaching customer support and inaccurate claims service.1
  • National Association of Insurance Commissioners (NAIC): The NAIC analyzes consumer complaint data and company financial information. Infinity Auto Insurance has a complaint index of 14.33 on NAIC’s Company Complaint Index, meaning complaints are 14 times as high as expected in the market. This rating does not bode well for the customer satisfaction of this nonstandard insurer and its products or services. On the other hand, Kemper’s complaint index is 0, so you may be better off with Infinity’s parent company.2
  • AM Best: Kemper Corporation received an A- (Excellent) rating of financial strength from AM Best.3 AM Best is a global independent rating agency that measures the financial security of insurance companies.

Company History

Infinity began as Dixie Insurance Co. in Anniston, Alabama, in 1955. The company expanded to serve clients in 43 states, eventually becoming the second-largest writer of nonstandard automobile insurance. Dixie Insurance Co. changed its name to Infinity in 1978 before American Premier Underwriters purchased the company in 1991. In 1995, American Premier Underwriters joined American Financial Corp. to become American Financial Group (AFG).

AFG transferred all common stock of Infinity and its sister companies to Infinity Property & Casualty Corp. (IPCC) in 2002. In 2003, IPCC became a publicly traded company. Kemper Insurance, one of the nation’s largest specialized insurers, acquired Infinity in 2018.4 It serves over 6 million policies with over 33,000 agents and brokers. Post-acquisition, most auto insurance policies migrated under the Kemper brand except in California, where more than half of Infinity’s business took place.

Other Types of Insurance Infinity Provides

  • Business
  • Commercial vehicle
  • Commercial general liability
  • Home
  • Motorcycle
  • ATV
  • RV
  • Classic car
  • Rideshare

Cancellation Policy

You can cancel your policy with Infinity by calling 800-782-1020 or signing in to your account in the online portal. You’ll need your policy number, contact information, and the date you would like your policy to end. Depending on your policy’s renewal date, you may receive a refund for a portion of your premium.

Frequently Asked Questions

How much does Infinity car insurance decrease when you turn 25?

It depends on your driving record, coverage choices, vehicle type, location, and how much you drive.

How do I add a car to Infinity insurance?

Here’s how you add a car to your Infinity insurance policy:

  1. Navigate to from your computer, tablet or smartphone.
  2. Click the login button in the upper right corner of the homepage.
  3. Enter your username and password, or click “Register New Policy” to set up your account.
  4. Once logged in, you can access and manage your auto insurance policy, including making changes to vehicles, drivers and personal information.

How long does a claim for a wrecked car take with Infinity insurance?

A claim for a wrecked car can take anywhere from two to six weeks, with an average of four weeks before you’ll receive a settlement check.

How do I email my collector car photos to Infinity?

You can email collector car photos to Infinity at


  1. Infinity Insurance Company. Better Business Bureau. (2023).

  2. Results by Complaint Index. National Association of Insurance Commissioners. (2022).

  3. Infinity Insurance Company. AM Best. (2023).

  4. Kemper Completes Acquisition of Specialty Auto Insurer Infinity P&C. Insurance Journal. (2018, Jul 2).